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Luxury Homes for Sale in San Francisco, CA

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  • /35

    $2,495,000

    • 2 Beds
    • 2.5 Baths
    • 1,855 Sq Ft

    765 Market St Unit 37G, San Francisco, CA 94103

    From the 37th floor of the Four Seasons Private Residences, Residence 37G captures sweeping south and west views across San Francisco. The Bay, Twin Peaks, Sutro Tower, and the hills above Market Street create an expansive panorama that shifts throughout the day, with a western orientation offering sunset views year-round. Spanning approximately 1,855 square feet, the residence begins with a

    Gregg Lynn Sotheby's International Realty

    765 Market St Unit 37G, San Francisco, CA 94103
  • /59

    $2,495,000

    • 4 Beds
    • 3.5 Baths
    • 2,906 Sq Ft

    414 12th Ave, San Francisco, CA 94118

    Reimagined Edwardian in the coveted Inner Richmond offering a rare opportunity to restore an exceptional home. This 4-bedroom, 3.5-bath residence underwent a comprehensive renovation in 2018 with a new roof, windows, doors, and updated systems. The main level features a dramatic double-height living room with soaring vaulted ceilings. At the rear of the home, the open kitchen, dining, and family

    Natalie Kitchen Compass

    414 12th Ave, San Francisco, CA 94118
  • /72

    $2,495,000

    Open Sat 2PM - 4PM
    • 5 Beds
    • 4 Baths
    • 2,609 Sq Ft

    1620 Pacheco St, San Francisco, CA 94116

    Sophisticated and modern, this beautifully renovated residence is nestled in the highly sought-after Parkside neighborhood, offering stunning views of the Golden Gate Bridge. Spanning approx 2,609 SQ FT across two thoughtfully designed levels, this exceptional 5BD/4BA semi-detached home just remodeled from the studs with permits, featuring all-new electrical and plumbing systems. The bright,

    Patrick Lam CENTURY 21 Masters

    1620 Pacheco St, San Francisco, CA 94116
  • /25

    $2,495,000

    • 8 Beds
    • 4 Baths

    751 Spruce St, San Francisco, CA 94118

    2 Unit Building in Lone Mountain with 1 vacant lower condo the other top unit rented. Top floor is a 4 bedroom, 2 bath unit with parking. The lower is 4 Bedrooms, 2 bathroom with an additional separate 1 bed /1 bath full unit below the condo. The lower units have been updated. Ideal location for access to many neighborhoods, near Jordan Park, Inner Richmond, Lower Pacific Heights and NoPa.

    Agent Photo

    James Cullen

    KW Advisors

    751 Spruce St, San Francisco, CA 94118
  • /38

    $2,400,000

    • 7 Beds
    • 5 Baths
    • 3,540 Sq Ft

    915 Burnett Ave, San Francisco, CA 94131

    Outstanding 3-unit view building. Top unit penthouse features 3BRs, 2 full BAs, panoramic San Francisco skyline and bay views from living room, dining room kitchen and deck. Upgraded kitchen features all new stainless steel appliances and new quartz countertops. Second unit has 2BRs, 2 full BAs, also with San Francisco Bay and skyline views from living room and dining area. Third unit is 2BRs and

    Michael Freethy Compass

    915 Burnett Ave, San Francisco, CA 94131
  • /24

    $2,395,000

    • 3 Beds
    • 2 Baths
    • 1,448 Sq Ft

    280 Fair Oaks St Unit 282, San Francisco, CA 94110

    Beautifully renovated, top floor, light filled flat with wide-plank oak floors, high ceilings, open floor plan and abundant outdoor space. Built in 1900 per tax records and lovingly updated with new kitchen, baths, drywall, plumbing and electrical. Fair Oaks is a special, peaceful street off the hustle and bustle of Guerrero and 24th St. Bonus room adjacent to your parking, see photos and ask

    Callum Hutchins Sotheby's International Realty

    280 Fair Oaks St Unit 282, San Francisco, CA 94110
  • /10

    $2,395,000

    • 2 Beds
    • 2.5 Baths
    • 1,670 Sq Ft

    188 Minna St Unit 32C, San Francisco, CA 94105

    Located on HIGH-floor, showcasing panoramic City VIEWS facing WEST including distant Bay from ALL windows, 2 bedrooms suites/2.5 baths condo unit at San Francisco finest FULL-service high-rise building - the St Regis Residences. Sophisticated upgrades include lighting, motorized window treatments, custom closet built-ins, inlaid mirrors, shelving & more. Unit has PoggenPohl kitchen w/TOP quality

    Edward Dubrovsky Edward Dubrovsky, Broker

    188 Minna St Unit 32C, San Francisco, CA 94105
  • /9

    $2,395,000

    • 3 Beds
    • 3 Baths
    • 1,645 Sq Ft

    239 Brannan St Unit 14A, San Francisco, CA 94107

    Enjoy elevated living in one of South Beach's most prestigious high-rises. This rare corner, 3 bedrooms, 3 bathrooms, residence; introduces floor-to-ceiling windows and captivating views of the downtown skyline, and Bay Bridge. The thoughtfully designed layout is enhanced by the abundant natural light, dual-access balcony, hardwood flooring, custom lighting, automated window shades, central A/C,

    Dianne Hartnett Compass

    239 Brannan St Unit 14A, San Francisco, CA 94107
  • /63

    $2,358,000

    • 3 Beds
    • 3 Baths
    • 1,826 Sq Ft

    170 Pacific Ave Unit 31, San Francisco, CA 94111

    Welcome to Golden Gateway Commons, where timeless sophistication and modern design come together at the heart of San Francisco's Embarcadero Waterfront. This beautifully remodeled two-level townhome style residence, detached on three sides, lives like a single-family home offering rare privacy and brilliant natural light in the heart of San Francisco's bustling financial district.

    Dean Badessa Sotheby's International Realty

    170 Pacific Ave Unit 31, San Francisco, CA 94111
  • /27

    $2,315,000

    • 4 Beds
    • 3.5 Baths
    • 2,152 Sq Ft

    202 4th Ave, San Francisco, CA 94118

    One of 8 beautifully renovated TIC's in a fantastic Inner Richmond neighborhood, adjacent to Presidio Heights and the Lake Corridor. A mix of 2, 3 and 4 bedroom units. Unit 202 is a top floor corner light-filled 4BR/3.5BA with wide plank hardwood floors, an open floor plan and gorgeous kitchen with gas range and eating bar. Four generous sized bedrooms, three with ensuite baths. Full seismic

    Callum Hutchins Sotheby's International Realty

    202 4th Ave, San Francisco, CA 94118
  • /29

    $2,300,000

    • 4 Beds
    • 3 Baths
    • 2,537 Sq Ft

    3008 Pierce St, San Francisco, CA 94123

    In the heart of coveted Cow Hollow, this beautifully preserved Queen Anne Victorian duplex embodies the timeless elegance and architectural character that define San Francisco's most treasured homes. Lovingly cared for by a long-term owner and bathed in abundant natural light, 3006 & 3008 Pierce Street present the rare opportunity to enjoy a private owner's residence paired with the income of a

    Deirdre O'Brien Compass

    3008 Pierce St, San Francisco, CA 94123
  • /6

    $2,300,000

    • 3,900 Sq Ft

    1414 Taraval St, San Francisco, CA 94116

    1414 Taraval Street is a Sunset District apartment building that presents a rare opportunity to immediately add value through renovation and upgrades, delivering premium units into today's hot rental market. The impressive building offers 4 vacant, large two-bedroom units, plus 4 parking spaces. Constructed in 1938, the 3,900-square-foot building features period details, bright light- filled

    Matthew C. Sheridan Maven Commercial, Inc.

    1414 Taraval St, San Francisco, CA 94116
  • /49

    $2,300,000

    $300K PRICE DROP
    • 3 Beds
    • 3 Baths
    • 2,708 Sq Ft

    1388 Gough St Unit 1301, San Francisco, CA 94109

    Perched atop the Post International Condominium Building, this exquisite grand penthouse is one of only three premier penthouse residences crowning this boutique San Francisco high-rise. Post International is a modern condominium building celebrated for its contemporary design, excellent walkability, and convenient access to major hospitals, public transportation, and downtown San Francisco.

    Edmund Leung Coldwell Banker Realty

    1388 Gough St Unit 1301, San Francisco, CA 94109
  • /54

    $2,300,000

    • 5 Beds
    • 2 Baths
    • 2,280 Sq Ft

    164 Bernard St, San Francisco, CA 94109

    This 2,300-square-foot home features five bedrooms and three bathrooms on two levels, a spacious kitchen with an eat-in dining area. This property has the potential to build a beautiful rooftop with views of the Bay and the Golden Gate Bridge. It will be delivered vacant at the close of escrow. The property lives like a single-family home but is technically a 2-unit. All done with proper permits.

    Tasha DeLancy Vanguard Properties

    164 Bernard St, San Francisco, CA 94109
  • /50

    $2,298,000

    Open Sat 2PM - 4PM
    • 2 Beds
    • 2 Baths
    • 1,142 Sq Ft

    488 Folsom St Unit 4406, San Francisco, CA 94105

    Experience sophisticated living at Avery, South Beach's premier luxury condominium. This stunning 2-bedroom residence offers stunning water and bay bridge views through dramatic floor-to-ceiling windows. Designed for both comfort and style, the open-concept floor plan features a chef-inspired kitchen and a spacious primary suite with a spa-like bath, dual vanities, and elegant marble finishes.

    Shalini Sadda City Real Estate

    488 Folsom St Unit 4406, San Francisco, CA 94105
  • /49

    $2,295,000

    Open Fri 5:30PM - 7PM
    • 2 Beds
    • 2 Baths
    • 1,309 Sq Ft

    425 1st St Unit 4402, San Francisco, CA 94105

    Discover unparalleled San Francisco living with breathtaking panoramic views from this exceptional residence at One Rincon Hill. The iconic Bay Bridge, shimmering Bay waters, and San Francisco landscape create an ever-changing backdrop to your private sanctuary. The 02 is one of One Rincon Hill's most desirable configurations. Bedrooms positioned on opposite ends of the unit create distinct,

    Marsha Abrahams Sotheby's International Realty

    425 1st St Unit 4402, San Francisco, CA 94105
  • /63

    $2,295,000

    • 4 Beds
    • 4 Baths
    • 3,630 Sq Ft

    496 38th Ave, San Francisco, CA 94121

    Stunning three-level single-family home situated on a desirable corner lot and filled with exceptional natural light throughout. Offering a spacious and versatile floor plan, this impressive residence combines generous living spaces, indoor-outdoor living, and beautiful ocean views. The main level welcomes you with a bright, open floor plan featuring a spacious living room, dining area, and

    Jeff Appenrodt Laurel Realty & Investment

    496 38th Ave, San Francisco, CA 94121
  • /72

    $2,295,000

    Open Sun 1PM - 4PM
    • 4 Beds
    • 4 Baths
    • 3,000 Sq Ft

    2366 20th Ave, San Francisco, CA 94116

    Exceptional fully remodeled residence offering three levels of thoughtfully designed living space with complete interior access in one of San Francisco's most desirable neighborhoods. Blending timeless character with contemporary luxury, this turnkey home features an ideal floor plan, premium finishes, and seamless indoor-outdoor living designed for today's lifestyle. The main level welcomes you

    Jeff Appenrodt Laurel Realty & Investment

    2366 20th Ave, San Francisco, CA 94116
  • /58

    $2,295,000

    Open Thu 4PM - 7PM $300K PRICE INCREASE
    • 3 Beds
    • 3.5 Baths
    • 1,890 Sq Ft

    942 S Van Ness Ave, San Francisco, CA 94110

    Offering the scale of a single-family home, this 3-bedroom, 3.5-bathroom luxury condo in San Francisco's Inner Mission is a rare find. 942 South Van Ness Avenue is a beautifully reimagined 1,890 sq ft Victorian flat where historic architecture meets turnkey modern design. Accentuated by hardwood floors, the open-concept floor plan is an entertainer's dream. The chef's kitchen, featuring premium

    Mary MacPherson Vantage Realty

    942 S Van Ness Ave, San Francisco, CA 94110
  • /53

    $2,285,000

    • 3 Beds
    • 2.5 Baths
    • 1,570 Sq Ft

    179 Brompton Ave, San Francisco, CA 94131

    On a quiet, best-kept-secret block at the pinnacle of Glen Park, this fresh, airy, modern home is literally projected into the sky. An artful residence with diverse charms, the quiet glamour of its expansive living spaces are open to sparkling city lights, while the deep, lush garden is poised for sun-shiny romps and indoor-outdoor delights. Substantially revised by previous owners, the intimate

    Wendy Storch Sotheby's International Realty

    179 Brompton Ave, San Francisco, CA 94131
  • /3

    $2,250,000

    $250K PRICE DROP
    • Land
    • 3,305 Sq Ft
    • $29,646,098 per Acre

    65 Fresno St, San Francisco, CA 94133

    Development Opportunity in Prime San Francisco Location – 65 Fresno Street 65 Fresno Street presents a rare opportunity to develop in one of San Francisco’s most sought-after neighborhoods. Located on a level 3,306 sq. ft. lot in the vibrant North Beach area, this property is just a short walk to Washington Square Park, Chinatown, the Financial District, and numerous cafes, restaurants, and

    John Morra Century 21 Masters

    65 Fresno St, San Francisco, CA 94133
  • /49

    $2,200,000

    $100K PRICE DROP
    • 3 Beds
    • 2 Baths
    • 1,585 Sq Ft

    1 S Park St Unit 411, San Francisco, CA 94107

    Residence 411 at One South Park offers the ideal blend of authentic industrial architecture, sophisticated modern design, and vibrant city living in one of San Francisco's most distinctive neighborhoods. Originally home to the historic Oriental Warehouse, the award-winning redevelopment of One South Park transformed the building into a landmark loft residence while preserving the character and

    Helena Zaludova Compass

    1 S Park St Unit 411, San Francisco, CA 94107
  • /11

    $2,199,000

    • 16 Beds
    • 8 Baths
    • 6,894 Sq Ft

    2778 Bryant St, San Francisco, CA 94110

    This large vacant six-unit building is poised for a full rehab; all plans, including structural ones, are approved. No Parking. Units are approximately 1,050-1,125 sqft each. The 1st floor has two 2-bed, 2-bath flats with an office; the 2nd floor has two 3-bed, 2-bath flats; and the 3rd floor has two 3-bed, 2-bath flats. Large, level backyard. Rear porches. Sell as TICs or Rent as newly remodeled

    Anthony Koutsos KW Advisors

    2778 Bryant St, San Francisco, CA 94110
  • /72

    $2,195,000

    • 3 Beds
    • 2 Baths
    • 1,823 Sq Ft

    1539 Diamond St, San Francisco, CA 94131

    Beautifully remodeled and filled with natural light, this exceptional Noe Valley home offers sophisticated interiors, seamless indoor-outdoor living, and captivating downtown skyline views from the dining area and upper deck. The thoughtfully designed floor plan features three spacious bedrooms, two contemporary, remodeled baths, and multiple decks that create the perfect setting for entertaining

    Laura Kaufman Corcoran Icon Properties

    1539 Diamond St, San Francisco, CA 94131
  • /46

    $2,195,000

    Open Sat 1PM - 3PM
    • 3 Beds
    • 3 Baths
    • 1,851 Sq Ft

    2920 Turk Blvd Unit 2920, San Francisco, CA 94118

    Spacious House-Like Two Level 3BR 3BA Condominium located in the highly sought after neighborhood of Lone Mountain. Located on the Top Two Floors of this elegant two-unit French-inspired building with magnificent curb appeal. This residence blends wonderful architecture and Ocean Views from the building's Two upper floors. Semi-detached with windows on all four sides and natural light throughout

    Darwin Tejada Sotheby's International Realty

    2920 Turk Blvd Unit 2920, San Francisco, CA 94118
  • /34

    $2,195,000

    Open Thu 5PM - 7PM
    • 4 Beds
    • 3 Baths
    • 2,639 Sq Ft

    1462 Waller St, San Francisco, CA 94117

    Rarely available, fully renovated upper-unit flat in an A+ Cole Valley/Haight location 1462 Waller, the upper home in a completely rebuilt Victorian duplex, available individually as a TIC or together with 1460 Waller as the entire building. 4BR/3BA + office, just over 2,600 SF, rebuilt from foundation to finish. Wide-plank white oak floors run throughout, and the sun-filled living room's bay

    Lisa Zahner City Real Estate

    1462 Waller St, San Francisco, CA 94117
  • /30

    $2,195,000

    Open Thu 5PM - 7PM
    • 3 Beds
    • 3 Baths
    • 2,542 Sq Ft

    1460 Waller St Unit 1462, San Francisco, CA 94117

    Rarely available, fully renovated lower-unit flat in an A+ Cole Valley/Haight location 1460 Waller, the lower home in a completely rebuilt Edwardian duplex, available individually as a TIC or together with 1462 Waller as the entire building. 3BR/3BA + office, 2,500 SF, rebuilt from foundation to finish. Wide-plank white oak floors run throughout, and the open plan kitchen is outfitted with

    Lisa Zahner City Real Estate

    1460 Waller St Unit 1462, San Francisco, CA 94117
  • /81

    $2,195,000

    $200K PRICE DROP
    • 2 Beds
    • 2.5 Baths
    • 1,861 Sq Ft

    301 Mission St Unit 27C, San Francisco, CA 94105

    Welcome to Residence 27C at Millennium Tower, an exceptional 2-bedroom, 2.5-bath home with a generous office that can easily convert to a third bedroom. Spanning approximately 1,861 square feet, this beautifully designed residence is positioned on the coveted east-facing side of the tower, capturing sweeping views of the Bay Bridge, Salesforce Park, and the San Francisco Bay through dramatic

    Bryant Kowalczyk Luxe Places International Real

    301 Mission St Unit 27C, San Francisco, CA 94105
  • /60

    $2,195,000

    New Construction Open Sat 11AM - 4PM
    • 3 Beds
    • 3.5 Baths
    • 2,518 Sq Ft

    38 Meadow Dr Unit 6, San Francisco, CA 94130

    The Residences at Yerba Buena Island offer a rare opportunity to enjoy tranquil island living with effortless access to Downtown San Francisco. This stunning Row Home features 3-bedrooms, 3.5 baths & lives like a single-family home. The Row Homes offer a private garage, 3-levels of living space w/ a ground floor patio and a terrace off the dining room and the primary bedroom. Owners will enjoy

    Wendy Novia Compass

    38 Meadow Dr Unit 6, San Francisco, CA 94130
  • /10

    $2,190,000

    $301K PRICE INCREASE
    • 3 Beds
    • 1 Bath
    • 1,300 Sq Ft

    2647 20th Ave, San Francisco, CA 94116

    Nestled in the heart of San Francisco's desirable Parkside neighborhood, this charming 3-bedroom,1-bath home offers classic character, abundant natural light, and exciting potential. Featuring a functional floor plan with inviting living spaces, this well-loved home is ready for your personal updates and vision. The spacious garage provides ample parking and storage, with potential for an ADU

    Lei Peng BQ Realty

    2647 20th Ave, San Francisco, CA 94116
  • /49

    $2,180,000

    • 4 Beds
    • 5 Baths
    • 2,366 Sq Ft

    772 47th Ave, San Francisco, CA 94121

    Welcome to this beautiful residence in the heart of San Francisco's highly desirable Outer Richmond neighborhood. Offering 4 spacious bedrooms, 5 luxurious bathrooms, and 2,366 square feet of thoughtfully designed living space, this home seamlessly blends modern sophistication with everyday comfort. The open-concept floor plan is filled with natural light and features high-end finishes, a

    Maggie Wu Coldwell Banker Realty

    772 47th Ave, San Francisco, CA 94121
  • /42

    $2,175,000

    • 2 Beds
    • 2 Baths
    • 1,619 Sq Ft

    650 Delancey St Unit 203, San Francisco, CA 94107

    Discover distinctive loft-style living at 650 Delancey, one of San Francisco's most desired warehouse conversions. Located along the historic Embarcadero Waterfront on a quiet cul-de-sac, this bright 2-bedroom, 2-bath home showcases classic architectural character paired with contemporary comfort, highlighted by exposed brick, timber accents, and stylish updates throughout. The main level

    Neil Canlas The Canlas Brothers

    650 Delancey St Unit 203, San Francisco, CA 94107
  • /18

    $2,150,000

    • 8 Beds
    • 4,070 Sq Ft

    1254 48th Ave, San Francisco, CA 94122

    1254 48th Avenue is a six (6) unit apartment building located in San Francisco's sought-after Outer Sunset. Constructed in 1964, the asset consists of four (4) 2bd-1ba units and two (2) studios. The building features separate meters for gas and electricity and includes parking for six (6) cars. Situated in the northwestern portion of the Sunset District, the property offers tenants a classic San

    John Antonini Compass Commercial

    1254 48th Ave, San Francisco, CA 94122
  • /62

    $2,100,000

    Open Sat 1PM - 3PM
    • 2 Beds
    • 2 Baths
    • 1,757 Sq Ft

    2140 Bush St Unit 3, San Francisco, CA 94115

    This Lower Pacific Heights condo is all about the drama; 12-foot ceilings, exposed concrete, massive south-facing windows, the scale you typically only find in converted industrial buildings south of Market, but located in Lower Pacific Heights, one of San Francisco's most sought-after, convenient enclaves. A moody, oversized front door opens into an expansive foyer with sight lines across a

    Austin Klar Vanguard Properties

    2140 Bush St Unit 3, San Francisco, CA 94115
  • /10

    $2,100,000

    • 6 Beds
    • 5 Baths
    • 3,306 Sq Ft

    5680 Mission St, San Francisco, CA 94112

    Mixed-use investment opportunity featuring two spacious 3 bedroom, 2 bath residential units and a large ground floor commercial space. Both residential units offer bright, comfortable living spaces and laundry hookups. The property also includes a two car garage, providing parking and storage. Situated along Mission Street and surrounded by restaurants, grocery stores and everyday conveniences,

    Martina Wong Gentry Real Estate

    5680 Mission St, San Francisco, CA 94112
  • /19

    $2,100,000

    • 4 Beds
    • 4 Baths
    • 2,260 Sq Ft

    425-431 Linden St, San Francisco, CA 94102

    *Total $141,006 Annual Gross Income with very respectful tenants!* Positioned in the heart of Hayes Valley, one of San Francisco's most sought-after and supply-constrained neighborhoods, this beautifully maintained four-unit apartment building presents an outstanding opportunity to acquire a turnkey multifamily asset with strong in-place cash flow, stable tenancy, and meaningful upside potential.

    Susie Lee Metapoint

    425-431 Linden St, San Francisco, CA 94102
  • /10

    $2,100,000

    • 3 Beds
    • 4 Baths
    • 2,950 Sq Ft

    464 Linden St, San Francisco, CA 94102

    Renovated 4-Unit Property in the heart of Hayes Valley, Featuring a 5.10% Cap Rate and attractive 4.50% assumable financing.

    Adam Foley CBRE, Inc.

    464 Linden St, San Francisco, CA 94102
  • /45

    $2,100,000

    $100K PRICE DROP
    • 2 Beds
    • 2 Baths
    • 1,474 Sq Ft

    875 California St Unit 202, San Francisco, CA 94108

    Grosvenor (think Mayfair, London) and NYC based Robert Stern developed and designed this modern, upscale and classic condominium on Nob Hill. Crescent is the first new development on Nob HIll in more than 50 years. Interiors by Champalimaud Design, the building offers exceptional features and amenities including the secret garden, a roof terrace with an outdoor kitchen and skyline views, a gym

    Denise Paulson Compass

    875 California St Unit 202, San Francisco, CA 94108
  • /23

    $2,100,000

    • 1 Bath
    • 4,376 Sq Ft

    1620 Folsom St, San Francisco, CA 94103

    1620-1622 Folsom Street presents a rare opportunity to acquire a two-story 4,376sqft flex use commercial building plus the adjacent 2,187sqft paved lot in the heart of the vibrant SOMA district with the potential for residential conversion, zoning and use to be verified by Buyer! Prominently positioned, the property benefits from excellent visibility, abundant natural light, and immediate

    Roark O'Neill Coldwell Banker Realty

    1620 Folsom St, San Francisco, CA 94103
  • /60

    $2,100,000

    New Construction Open Sat 11AM - 4PM
    • 2 Beds
    • 2.5 Baths
    • 2,239 Sq Ft

    38 Meadow Dr Unit 5, San Francisco, CA 94130

    The Residences at Yerba Buena Island offer a rare opportunity to enjoy tranquil island living with effortless access to Downtown San Francisco. This stunning Row Home lives like a single family home and features two bedrooms, two-and-a-half bathrooms, and a loft ideal for a home office. The living room boasts soaring double height ceilings. Enjoy tranquil water views to the south and views of the

    Wendy Novia Compass

    38 Meadow Dr Unit 5, San Francisco, CA 94130

Showing Results 121 - 160, Page 4 of 18

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